They said it couldn't be done.
>>534624631based
>>534624631CoolThanks for sharingTell your friends this instead
i have a house too!its the best feelinf in the entire world, everyone should buy a house
>i just went into a 30 year long debt
>>534624631Congrats fren
>>534624631Ever read The Jungle?
>>534624631 > I just bought a houseCongrats, anon.
>>534624631"bought" btw. You mean rented from the bank?
>>534624631Do you fully own it or are you financing it?
>>534624631>location: bumfuck, nowhereville
I have four houses across three different continents. It's EZ. Just be your grandparents' favorite grandchild. Then use the two houses as collateral for loans, and get more houses.
>>534624866>i just went into a 30 year long debtI figured out a way to control living costs while building wealth.
>>534624866Nigger response.Should have stuck with "muh dik"
>>534624631Do you mean you started buying a house? Takes about 30 of the best years of your life. 30 years in fear of losing your job (even taking a vax to avoid it). 30 years being a mortgage cuck; life centering around the mortgage payment. Did you get Allodial Title? If not, you'll have to pay rent forever or you'll get kicked out. They don't call it rent though, they call it property tax. But it's the same as rent. Did you know that when you buy a house you also buy the bank a house too in the process. That's like 15 of your best years spent working to buy jews a house for lending you money that they get out of thin air. No wonder they keep cramming down our throats the idea that buying a house is our dream.>https://m.youtube.com/watch?v=4AC6RSau7r8>the good news is that you will end up paying little for the house due to NESARA.
>>534628435All of this is so retarded its almost unbelievable that someone could be this stupid.
>>534624631A genuine congrats, anon. Definitely start learning how to upkeep and maintain your house. It’s a never ending battle but it’s worth caring for something that you own.
>>534624631So, when you say “buy”, what do you mean?Like I “bought” a T shirt today. I make no further payments on my T shirt.
>>534624866>>534625506>>534625720>>534628435Seething retards that can’t be happy for a fellow anon. Very feminine.
>>534624631Congratulations
>>534624631Onto the next quest! chop chop.(congrats)
>>534629451Here's how it works. The money i put into my house stays in my house. I have paid that portion of the house off; i own it outright. So If I go to sell the home 10 years from now, i make the profit plus what I've paid off minus what I still owe. 10 years from now if the market is higher i can sell the house and make profit. There is no "youre slavin away for da jooz for 30 years dood" that is pure retardism.
>>534629451>when you say “buy”, what do you mean?It means he has a place to live where mommy doesn't also live and at any point he can rent it out to some loser with no credit, give it to his children or grandchilren, or sell it for whatever equity he has in it and walk away to find another arrangement.You must be either stupid or black to not understand what that means.
>>534624631Congrats, anon! Happy for you. Hope you managed to get one with at least some decent land in a white area.
>>534624866If the mortgage payment is less than market rent for a home with similar features then who gives a fuck? That's the price of borrowing someone else's money
>>534625506>rent if from the bank>hold it for a few years>sell it for more than you owe the bank>profitWhy does this concept escape communists?
>>534629794keknow do interest on the loan, dumbfuck
>>534629794Glad you replied. Post the loan financials here. Down payment, Principal, rate, term. Well wait.
>>534630303Their whole ideology revolves around being a helpless victim. Showing up for live, putting in a little effort, and succeeding would shatter their ego, crumble their worldview and make them realize their shitty situation is entirely of their own making. It's much simpler to externalize failure and play the victim of a tragedy than to take any agency and then face the responsibility of having to actually get off of social media and do something about it.
Also this info should be burned into your brain if you just bought a house so if you take too long to reply this is another piece of bullshit
>>534628435Do you have a title on your rental unit? No? Okay well pay your rent on time bitch cause shlomo the landlord needs to pay his property tax
>>534624631I have level-headed gen Xer folks and they are simply going to leave me the house after they pass on
>>534630378>>534630451>I hate grapes!
>>534624631I’m Indian I already own 2 homes and I have my own business.Congrats I guess
>>534629987No, I’d like to point out the fact that when it comes to house purchases people like to use the word buy when they really mean they took out a massive fucking loan. They have to pay back and hope property values stay stable or rise in order for their equity to be worth anything. Stupid fuck.
>>534624631you'll be underwater soonbad time to buy
Houses gonna be basically free once hantawirus wipes 40% of the population off the map doe
>>534624631WHITE POWERRRRRRRRRR
>>534628435You have to live somewhere.For most dipshits, "buying" a house may be better than renting, but depends on the locale, market, etc.Everything is nuanced but 99% don't get it and keep on renting/mortgaging. Who cares tho? Look at all them seethe right now. They get what they fucking deserve.
>>534624631You rented a house from a jewish bank for the next 30 years, and you'll end up paying it double, if you live that long.
>>534630451>>534630522Nobody owes you shit you butthurt
>>534630722If someone posting a thread about his house, purchase cannot answer basic questions about the financials of the loan and mortgage and simply refuses to issue information that could in no way identify him, then yeaThis just another bs thread
>>534630600>I hate grapes.I bet mom never gets tired of cleaning up your semen covered socks off the floor of your bedroom.>>534630605>I really hate grapes.Put that on a postit note with today's date and stick it next to your mirror.>>534630642>Two more weeks!Yeah, when that all happens you'll be thankful that you did fuck-all nothing with your life today.
>>534624631Nice one lad.I have bought a couple in the last couple of months here. Our government hates landlords so all the owners of rented properties are selling. I might buy some more. I wont rent them though, I'm just keeping them for 5 or 10 years as an investment and borrowing against them.
>>534630705So the better option is to rent a commieblock from a Jew who rents the commieblock building from the bank? You'd rather pay a middleman for the privilege of having a roof over your head? Okay go for it that's on you
>>534630451Suck my dick. I'll do you the courtesy of saying im a 1st time home buyer so all that shit youre crying about? Null and void.
>>534630836Because if anybody anywhere managed to actually get into home ownership that might imply that (You) could do the same if you applied some effort. Don't forget your continued failures prove you were right the whole time, be sure to self sabotage as much as possible.
>>534629312Why?
>>534624631>goes into a 40 year debt to the jews>bought
>>534630936Knew it was a LARP. Have fun flexing on these tards I guess.
>>534630210exquisite bootlicking, but banks are not people, i.e. "someone else"
>>534630836You think it's inconceivable that an anon bought a house or something?
>>534631051While it's true, but do you have an alternative suggestion?
>>534631073Keep crying from your poor grandmas spare room bitch
>>534630303>number line go up forever and ever Haha, everything reverts back to its mean eventually. Fucking boomer die off will wreck housing and real estate for a century.
>>534631153How much did you put down? What kinda load did you get? Or did you pay cash? If so, how'd you come up with the cash?
>>534631075>you deposit your money in a bank>the bank loans your money to someone else to buy a house>n-n-no it's not y-y-your money after you g-give it to the bank
>>534628435there is (some) truth in your post, but, you can avoid most of the issues by not buying a more expensive house than you can actually afford. Everyone in the industry you come into contact with will push you to, because it means more fees for them since many work off percentages. Just don't do it. Buy something you can actually afford. I did, and I pay less per month all in than the rentoids in their plywood "luxury" apartments pay and I don't have to listen to my neighbors through the paper thin walls or smell their disgusting ethnic food cooking. Nobody gets allodial title in the USA, and you pay the property taxes via your rent when renting. Where you are correct is that the "money" that is lent to you to make the purchase is conjured out of thin air, backed by your pledge to pay. That is essentially free money for the note holder and servicer (the rights are split because why not), with the only real downside being they have to foreclose and try and sell the house if you don't pay. Which incidentally is why they want 20% down, that protects them from most "normal" downturns meaning that if you can't pay and they foreclose, they are confident that most of the time they will be able to get their full "money" (that they created remember) back, and you eat all the loss out of the real money you had to save for the down payment. So yes, the system is incredibly kiked and bullshit, but like credit cards if you're a little smart you can make it work to your advantage.
>>534631315LMFAO that is not how modern banking works at all. Protip: there is a reason they call it a "deposit product"
>>534630303>>sell it for more than you owe the bankI'm watching someone right now who thought this would've worked but it didn't even with seemingly home prices being up. About to sell to me at a loss. In other words, you are most likely not at any position to even start to have an opinion on this whole subject.
>>534624631Grats anon, I bought a few years ago, best thing I ever did
>>534631260>two more weeks! I've heard this shit my whole life. People said the same shit in 2014 and 2020 when the market was already dogshit.
>>534631492When a broken clock means a nuke goes off means even when it does happen it will be devastating.
>>534624631Did anybody buy you a snake plant yet?They're considered good luck, and commonly given to first time home buyers.I'd buy you a snake plant. Congrats anon!
>>534631408We're all just a deposit product if you think about it
>>534631286I have a real estate agent retard.>how'd you come up with the cash?I pulled it out of my ass. What kind of question is this? Ive lived in a shitty apartment for 5 years and saved up enough money to cover the down payment but turns out I dont even have to worry about it. If you work life will reward you if sit around bitching 247 then life will shit on you.
>>534624866I paid mine off in 10, debt free for 2 years now
>>534631445>about toI'm posting from my own house right now. I bought it for $100k and now it's worth $1.1m little faggot
Unreal amount of retards in the thread thinking the presence of a mortgage means you don't own the place.I think there's like 6 people here over the age of 23
>>534631690>We're all just a deposit product if you think about itkek, well now that is true isn't it
>>534631802No it's not
>>534631856They don't know what a lien is. That's ok. I'm more concerned OP bought before the blowout.
>>53463178912 years here.Double your principal every month, loan paid in half the time.>feelsgoodman.jpeg
>>534631856I’m almost 40 and have a mortgage and you don’t really own the home. You will if you pay off the loan and the government never decides to seize your property, and you never fail to pay property taxes.
>>534631950Yup. We did that for diligently for 5 years, got lazy and only sporadically made extra payments for the remainder. Then my folks died and we used $60k of that to finish off the remaining balance
>>534624631Buying a home in detroit isn't a flex
Americans have been tricked into thinking that they are middle class, that their county is developed, many even self identify as rich.This is particularly bizarre, because when we look at America, you are the bottom wealth bracket in your own county, you pay rent so are not middle class (technically, you are net rent payers) and much of the US looks like the slums, the other half being a bizarre facade of cardboard and bitumen.And you are unlikely to shift that perception because while most Americans don't have passports and can't afford to travel, most of us have been to the US at one point so have seen the difference for ourselves
>>534632002The house is yours, in your name. You own the house. It is your property. There's no other way I can phrase this for you crayon eaters.
>>534624866I’ll give you a bloody hint to you younglings, you rarely think of your debt even when you’re in it. When you paid it off, it’ll be like the entire thing never happened
>>534631856>Unreal amount of retards in the thread thinking the presence of a mortgage means you don't own the place.In most states deeds of trust are legal and will be what lenders offer, and in some states those are the only lending setup. With deeds of trust you don't have title until the entire loan is paid off. You may not be as smart as you think you are.
>>534632084Aussies malding about us owning property while they never will at 3:30 AM on a Friday
>>534631896Oh sweaty
>>534632137Deeds of trust do not show ownership of property, they're a tool to secure financing for the owner.
>>534632344Keep scrolling until it hits $100k
>>534632344I dont usually say this but Sheesh
>>534632369you don't know what you are talking about
>>534632401Cope little man, what are you some 16 year old that thinks he’s number one because he found /pol/ “before the others” lmao.
>>534632551Confirmed bullshit story to try and impress anonymous internet strangers. Very gay behavior btw
>>534632084People live in fuckin caves in your country>one day I hope I can be rich like Australians so I can live in a tinny shack on a red dirt road!You're literally identical to Americans and every time you get militantly anti-American I get a chortle out of it. You try so fucking hard to be different but at the end of the day you're IDENTICAL to us
>>534631712>I have a real estate agent retard.kekno need to read further, it's a larp.or utter crippling idiocracy-tier stupidity
It's funny how in American dictionaries, "ownership" includes things you rent, where in European dictionaries (any language) ownership and renting are considered mutually exclusive.Americans also use "ownership" to mean responsibility and leadership, so in every respect the American mindset is Jewish and laughable. And i say Jewish unironically, it's not a racial slur, the idea that rent equates to ownership is a concept rooted firmly in Jewish culture. The kibbutz, the "time share", and rent-to-own arrangements come directly from Jewish culture and are therefore almost totally unknown in Europe. Yes Jews constantly try, they have since Rome colonised Judea, that doesn't mean we actually let them do it
>>534632614Confirmed butthurt more like it
>>534632614How is it gay lmao did I ask you to take off your shirt and post a time-stamp? Lmao always teens who beg for adult attention lol
>>534624631Where at? I bought in western pa two years ago.
>>534624631House tour now.If I don't see an empty fucking room with a bare mattress on the floor and a gaming battlestation in the corner of the empty room I will be disappointed.
>>534631712>i have a real estate agentI’m so happy I looked back just to see you drop the ball this hard. Next time you do a larp you’re gonna have to work a little harder and do some research. There are adults here.
>>534632982Ironic you use that as an insult because caves are free, nobody pays rent to live in them, and most of the people who live in caves in Australia, Spain, Serbia etc. do so mostly as an extreme cultural statement of hatred for the government and specifically, hatred for landlords.
>>534630605Depends on the area.But generally speaking you are right: today reeks of 2006-07.
>>534633303When you buy a house with a mortgage, the seller transfers the title then you put YOUR house up as collateral to the bank, which lends you the money to pay the seller. This is why the taxes and insurance are included in the mortgage agreement, so the bank knows that the collateral that secures the loan is safe and isn't getting confiscated. Ownership is defined by the extent of the rights you have over a property. In Europe they have even less ownership over their property because there's usually a king or a queen who owns the whole fuckin country and lets you trade pieces of it out of fear of being guillotined if they don't
>pay rent to landlord>pay rent to bank>pay rent to government >pay rent to kibbutz/HOA>for a cardboard shack>claim to be a home owner
>>534633635>>534633254So we're just flat out seething and coping now.
>>534624631
>>534630451You mad you still pay rent? Seethe little boy, seethe and cope
>>534624631Congrats anon. I bought one a couple of months ago for 90k. It's small and kind of a shithole but livable
>>534633993
>>534624631Let me guess: inheritance money, a very long mortgage, or a run-down shack.
>>534630303plenty of suicides in 2008 thoughbeit
>>534633747>CAVES ARE FREE!! ITS A POLITICAL STATEMENT THAT IM SURROUNDED BY MOLD AND CAMEL SPIDERS IN THE DARK DEPTHS OF THE EARTH! AT LEAST I DONT HAVE TO RENT MY CAVE FROM A BANK!Listen to yourself. You don't think people can go find a fuckin cave in America and live in it rent free if they want? Your property market is so completely fucked people would rather live in caves than pay the outrageous sums demanded by shlomo and you still want to talk shit?
>>534631931If hyperinflation kicks in he'll be golden tho
>>534633940>real home owners are the cave dwellers!
>>534634086>Switching between your parents wife and your parents phone bill to call other people retardedThis is levels of seethe Ive never even seen before.
>>534624631Cool. That'll be 2 millie plus tip
>>534633940What’s the alternative? Innawoods? Or should I say innabush, boong nigger.
>>534625720>anything less than a penthouse floor in the center of the capital is below medumb foidI hope in your next life you're reborn as retail assistant.
>>534624631Good now spend the next 30 years paying it off, most likely 40% of your monthly income, performing maintenance on cardboard walls, worry about a recession and losing your job, try to sell it but realize more and more there are no buyers for an overpriced piece of drywall *ask my boomer neighbor how it's going* and finally keep paying more and more property tax each year as home prices keep increasing. Oh also no more stimulus money being printed to prop up the failed system, otherwise we get hyperinflation.
>>534632110i've lived debt free for over a decade now, unfortunately that made me an unscorable and can't even get a payday loan despite our household income being over $400k. so no, living debt free you'll know it
>>534635288>you need to voteI hope they hang you side by side with your revered Epstein clients.
>>534633913Being white, actually middle class, from a developed county I would describe that legal arrangement as a straw sale of a house to a pawnbroker.If you thought about it, if the asset was any kind of asset other then a home, a gun for example, if i lent you $50 to buy a gun, which you then put up as collateral, would you not describe that exchange as a kind of straw sale. You don't own the means to purchase the property, the bank does. You can't dispose of the loan, the bank can, you couldn't finance a home to be built, the bank did. You don't have to put up with a banker sleeping with your wife but on every other count the banker owns the house and you pay rent as a tenant.
>>534631789you still have property taxes you retard you don't own shit
good job
>>534635398That's not how a credit score works you retard. I've been debt free for 15 years and I have an 860.
>>534634245The number of people who live in caves is trivial and is a personal choice so I didn't even regard your criticism as serious. But I thought it telling that based on your mindset, you would identify the "worst" housing as that which was worth the least financially, rather then housing of the lowest quality (a tent) or with the least social security (a rental).Hence my comment on the irony, that some Australian would rather live in a worthless cave then pay rent to live in a normal house, so tilted are their values towards security, whereas yourself, you would rather rent a mcmansion, so tilted are your values in favour of capitalist value.
>>534635398You are leaving details out.
>>534635654Taxation is a levy based on ownership, not a substitute for it.
>>534625796I understand this sounds cool in theory, but the only fixed cost is your interest and principal payments. Property taxes and home owners insurance will increase. You also don’t control when you need a new roof, a plumbing issue comes up, appliances break, or your hvac needs to be replaced. These are things in the rent to own pipeline that people do not consider. Ask the “owners” in Florida and Texas if their costs are controlled after the hurricanes in previous years.
>>534629794Are you forgetting about the interest you paid on your mortgage? Lmao
>>534634572Getting a new government, moving to a developed county, but let's say you're stuck in Africa, United States of, and have zero land, resources, tools, can't borrow a cent. How quickly can you beat capitalism, naked fresh spawn edition. Escape from LA.1. Squat in a vacant investment property2. Squat in vacant seasonal/ tourist accommodation/ public housing/government amenities housing 3. Squat in a derelict building4. Ask someone who owns a house if you can just stay there. 5. Work for board, which is a kind of wage slavery, usually associated with farms but also many caretaker or cleaning jobs. 6. Strip a stranding liability for materials7. Clear state land and build a hut. Fuck forest jannies. 8. Move into a cave9. Dig a cave10. Take over a marine asset of some kind, any of the above options but a boat.11. Squat trust land which there's defacto federal juresdiction but nobody to evict you. Park a boat that doesn't float, on a river with no water in it. Wyoming probably doesn't have a port authority. Could everyone do it? No. But you have to look after yourself in the United States of Africa
>>534624631Nice blog post
Cool!
